it's hard to see opportunity in today's challenging environment. unless you have the right perspective. bny mellon wealth management has the vision and experience to look beyond the obvious. we'll uncover opportunities, find hidden risk, and make success a reality. bny mellon wealth management >> brian: we are on waist watch this morning. not steve but maybe joels. it is the number of people collecting disability. currently 8.8 american workers are collecting disability. 1960 455,000 that's it. what happened to the healthy worker? >> steve: so are more people sick and disabled or are we wasting more money. joining us right now is radio talk show host and talking about a nation of moocherings. good morning to you, charlie. >> good morning. >> steve: has the number of people on disability gone up because they are moochers or more people need help? >> you have to ask yourself. we have had an epidemic of disability or dependency. it grown so much faster than the work force and the population of this country. as you point out going back to 1960. one out